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Individual Short Term Disability




Disability Calculator

Employee Education FlyerDisability Income Protection Flyer

What is short term disability insurance?

If you get sick or hurt and can't work, which of these bills could you continue paying?

  • Medical bills
  • House payment
  • Car payment
  • Groceries
  • Utilities

Features of Disability Insurance income protection coverage:

Disability Insurance from can help protect your income, so you can still pay your bills.

  • You're paid regardless of any other insurance you may have with other insurance companies.
  • Benefits are paid directly to you unless you specify otherwise.
  • You may choose the amount of your disability benefits to meet your needs, subject to income.
  • If you change jobs or leave your employer, you can take your coverage with you.

If you currently own a Unum short term disability policy and need service please call 800-635-5597. If you need to file a claim please call 800-633-7479. Be sure you identify yourself as a UM Upper Chesapeake Health team member.